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You can tell TurboTax that you are a student and then you will not get the credit, but will still have to pay for Deluxe.
Based on your income and filing status, your contributions to a qualified employer-sponsored retirement plan may lower your tax bill by up to $2,000 through the Saver's Credit.
This credit directly reduces your tax by a portion of the amount you put into your retirement plan. Your contributions are likely reported in box 12 of a W-2 in your tax return.
Taxpayers who contribute to qualified employer-sponsored retirement plans, IRAs, or ABLE plans are required to complete IRS Form 8880 to claim the Saver's Tax Credit.
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